General insurance for a small business—typically packaged as a Business Owner's Policy (BOP) combining general liability and commercial property—generally costs between $500 and $1,500 annually (or roughly £450 to £1,200 in the UK) for standard low-risk operations. Exact pricing fluctuates heavily depending on your trade category, business size, physical asset valuation, and prior claims history, ensuring that high-liability construction or food service sectors pay significantly higher baseline rates.
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